New restrictions on card-to-card transfers will come into effect in Ukraine from June 1. From now on, no more than 100,000 hryvnias per month can be transferred without official confirmation of income. This decision has caused concern among citizens, as it will affect the convenience of conducting financial transactions.
According to Hanna Dovgalska, Deputy Chairman of the Board of Globus Bank, difficulties can be avoided by preparing documents confirming income in advance. These can be:
- Certificates OK5 and OK7 (information from the register of insured persons).
- Tax return.
- Salary information.
- Documents on receipt of funds from government agencies.
- Income certificates of family members.
- Confirmation of volunteer activities.
Banks can take these documents into account and, if necessary, increase limits for individual customers.
To avoid inconvenience, financial experts also advise optimizing the number of bank accounts. A large number of cards in different banks can complicate financial control and lead to additional restrictions. It is also recommended to close “dormant” accounts to avoid confusion.
In addition, it is worth setting up automatic payments for utilities and subscriptions to digital services, as well as using digital payment tools such as the “Diya” application and the taxpayer’s electronic account.
Recall that since February 1, 2025, a limit on card transfers of 150 thousand hryvnias per month has already been in effect in Ukraine. However, Ukrainians are actively looking for ways to circumvent it, for example, by opening accounts in several banks or using IBAN transfers.
Experts note that in early February, the number of card transfers in Ukraine decreased by 12%, and their total volume decreased by 18%. However, the situation later stabilized.
It is important to know that the restrictions do not apply to transactions between two accounts of the same client within the same bank. However, if income exceeds the established limit, then after providing the relevant documents, banks can make transfers within the limits of confirmed income.
